Cheque center.

Honestly given that this was all set up as soon as they called me I pretty much had no choice in the matter. I'll contact the FOS and ICO but I'm not going to hold my breath.... Given that I'm unlikely now to get any form of mortgage/finance for the next 6 years (well 10 years.. as most lenders wont now consider someone with a PDL on their credit file anyway) I might as well sit back and not care haha. Cheers for the information guys.

When I originally called them I'm 99% certain that I requested this in writing or as an email but it never came though. Is it possible to request telephone records under the data protection act? given that they are a financial institution they would need to keep these right?

Hi, thanks for relying. I called as soon as I checked my experian report (it was within a day because I receive email alerts). I then called the Payday lenders and asked them to explain, and again I was told this shouldn't have happened and that they are sorry. Last week I then receive a letter saying that I was missadvised on the final repayment date (by one day and on 3 occasions 1 being by a manager at the company) and that has caused the default. They are telling me this is their final decision but they are more than happy for me to add a notice of correction to my credit file where by the default says on, just with a few words after it.... I'm still stuck for 6 years though@

Hi all, I was unfortunate enough to have a payday loan which I couldn't pay on the payment date (it was a hefty sum of money). The lenders called me on the same day after for a chat in which I advised I couldnt pay them this month and that I didn't have the original documents. This wasn't a problem and the adviser told me that if I could make two payments (both at full interest ) then the balance would be closed and I could lend with them again. he also stated that I would not be defaulted if the payments where made. I agreed and one month down the line the first payment was due, which was paid in full over the phone. I asked the guy on the other end to just reiterate that I would not be defaulted and he said absolutely not. SO! final payment was made the month after. In full and on time... And i was defaulted :/ According to the company I was 1 day over their internal criteria for defaulting (90) days. Never did they tell me this over the phone, according to 3 people (and at expensive call rates) I would have been fine. Even if they had told me I needed to pay 1 sodding day early or my primary aim of not being defaulted wouldn't be for filled I could have lent or hell be it get another loan for a day! Do I have any sort of defence being that I was totally misadvised by them? They also refused to put any documentation regarding the repayment plan together other than the phone calls and internal 'notes'? I really need this thing removing Cheers for any support.